AIA Voluntary Health Insurance Flexi Scheme is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00022-03-000-03. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$17,642 |
| 45 | HK$33,507 |
| 60 | HK$53,042 |
| 75 | HK$142,067 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | None |
| Lifetime limit | None |
| Room and board | HK$4,400 |
| Hospital charges | HK$30,000 |
| Doctor's visits | HK$4,400 |
| Specialist fees | HK$10,700 |
| Intensive care | HK$11,600 |
| Surgeon's fee | HK$120,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$44,000 |
| Non-surgical cancer treatment | HK$180,000 |
| Outpatient before and after | HK$4,000 |
| Psychiatric treatment | HK$39,600 |
Also includes outpatient general, home nursing, a companion bed, kidney dialysis, a death benefit, top up.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | lifetime p.12 |
|---|---|
| Pre-existing conditions unknown at application | 0% for first 30 days of first policy year, 100% from 31st day of first policy year onwards p.20 |
| Waiting period | 30 days for unknown pre-existing conditions p.20 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid. After cooling-off, cancellation with 30 days' notice if no benefits paid in relevant policy year. p.4 |
| Switching from another plan | Allowed to switch to another plan with upgraded/added benefits, subject to re-underwriting for the upgraded/added benefits. p.13 |
| Room class | not restricted p.15 |
| If a higher room is used | If a higher room class than the Standard Private Room is used, benefits are multiplied by an Adjustment Factor (e.g., 60% for amenities upgraded beyond a Standard Private Room), subject to coinsurance. p.34 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Hong Kong only p.18 |
| Emergency treatment abroad | covered worldwide p.15 |
| Full cover on core benefits | no p.42 |
| Annual limit | unlimited p.42 |
| Lifetime limit | none p.15 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | none (applies to Prescribed Diagnostic Imaging Tests and supplemental major medical benefits) p.21 |
| Pre-admission outpatient | 1 visit or emergency consultation prior to confinement/day case procedure, up to HKD1,000 (network) or HKD670 (non-network) per visit p.42 |
| Post-discharge outpatient | 3 follow-up outpatient visits within 90 days after discharge/day case procedure, up to HKD1,000 (network) or HKD670 (non-network) per visit for consultation/medication/dressings/diagnostic tests, or HKD740 (network) or HKD670 (non-network) for other visits p.43 |
| General outpatient | none |
| Psychiatric treatment | HKD39,600 per policy year (network) or HKD36,000 per policy year (non-network) p.43 |
| Diagnostic imaging coinsurance | 30%, except for CT scan (coronary arteries), MRI scan (cervical spine, lumbar spine, brain), and PET scan p.42 |
| Non-surgical cancer treatment | HKD180,000 per policy year (network) or HKD150,000 per policy year (non-network) p.42 |
| Kidney dialysis | HKD180,000 per policy year (network) or HKD150,000 per policy year (non-network) p.43 |
| Day case procedures | covered as in-patient, with specific benefits for room and board, miscellaneous charges, surgeon's fee, etc. p.16 |
| Home nursing | HKD1,904 per visit (network) or HKD1,584 per visit (non-network), max 15 visits within 31 days after discharge, up to HKD37,200 (network) or HKD31,000 (non-network) per policy year p.43 |
| Hospice care | none (hospice or palliative care centres are excluded from the definition of Hospital) p.26 |
| Chinese medicine | none p.23 |
| Physiotherapy | Covered during confinement under miscellaneous charges; covered for 3 post-discharge visits under outpatient care; covered from 4th to 31st post-discharge visit under supplemental major medical benefits p.17 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.23 |
| Pregnancy complications | none p.23 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.22 |
| Hospital cash | none |
| Companion bed | HKD760 per day (network) or HKD380 per day (non-network), max 90 days per policy year p.43 |
| Second medical opinion | Available through personal medical case management services, where a specialist may review medical information p.36 |
| Direct billing and pre-authorisation | Direct payment for surgeon's fee for day case procedures performed by a Network Registered Medical Practitioner p.33 |
| No-claim discount | Available, reducing premium by 5% for 3 claims-free years, 10% for 4, 15% for 5 or more. Increases to 25% for 5+ claims-free years from 30th renewal if insured is 65+. p.57 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; eligible expenses reimbursed under any other law, medical program or insurance policy. p.22 |
At a constant age of 45, AIA has filed 4 schedule changes on this plan since 2021, an average of +4.7% a year, taking the premium from HK$25,659 to HK$33,507.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +9.0% |
| 2024 | +6.1% |
| 2025 | +8.6% |
| 2026 | +4.0% |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Standard Private (HKD) | Private | None | Nil (no Annual Benefit Limit) |
| Standard Private (HKD) | Private | None | Nil (no Annual Benefit Limit) |
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.